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The Intersection : J.M. Wilson Blog

What You Should Know About Fireworks, Safety, and Insurance

Posted by Roxanne Barry, CIC, CISR on Jun 21, 2016 9:00:00 AM

For as long as Americans can remember, on Independence Day, fireworks are painted across the skies above rivers, parks, and rooftop bars, in local town squares, off coastlines, and in our own backyards. The Fourth of July is a day of people coming together in celebration. But, each year, casualty and injury rates increase in the 30-day period surrounding Independence Day. 

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Topics: insurance, safety, special event, fireworks, july 4th, independence day

Submission Status: Truck Application Incomplete

Posted by Sandi Fritz, CIC, TRS on Jun 14, 2016 9:00:00 AM

When you submit an application for quoting, are you confident that you provided enough information to your underwriter? Maybe there were a few items on your application that could have been answered more thoroughly. We're here to provide you with the best possible quote, but in order to do so, we rely on you to provide us with this detailed information.

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Topics: underwriting, fleet, drivers, complete submission

Closing the Generational Gap

Posted by Sarah O'Day, PHR, CISR on Jun 7, 2016 9:00:00 AM

We've all heard it: the generational gap is making a huge impact on our work environments. This 'gap' is creating barriers and difficulties for upper management and human resource professionals. Well - forget what you've heard about the characteristics of generations. Instead, focus on the attributes of the individuals themselves. Challenging the workforce to come together can re-enforce effective communication and collaboration across generations to avoid the effects of the 'gap.' 

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Topics: human resources, employee management, differences, strategies, workplace, generation

Ten Things You Should Know About the Electronic Logging Device Rule

Posted by Leon Hilaski on May 31, 2016 9:30:00 AM

With CSA scores being examined left and right there are many things your truckers can do to help clean up their scores.  One of the most common violations relate to log books.  Your drivers could be doing everything correct in term of hours of service but a simple incorrect abbreviation could come back to haunt them. Electronic logs can make many potential issues disappear helping your insured's improve their scores and avoid costly fines. 

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Topics: CSA, commercial transportation, ELD, Electronic Logging Device

Property Inspections and Renewal Applications: Agency Friend or Foe?

Posted by Erin Dey on May 24, 2016 11:30:00 AM

There is no doubt that every insurance carrier is looking to make sure they are completely comfortable they understand the full exposure of risk they are insuring. Two ways they can learn a lot about a risk are property inspections and reviewing renewal applications.

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Topics: Property & Casualty, Property, sales, insurance application, inspections

Don't Drop the Ball on Liquor Liability

Posted by Betty Yahr on May 17, 2016 9:00:00 AM

It's that time of the year again! Flowers are blooming and our calendars are full - from weddings to fundraisers to graduation parties. What do most events have in common? Liquor (it's okay, we know you were thinking it too)!  With all of the commotion when planning events, many may look over the liquor liability and how important coverage can be. If your insured is providing liquor at their party or event, there are a few questions that need to be asked:

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Topics: Property & Casualty, special event, liquor liability, liquor liability insurance, host liquor liability, event

Commercial Use of Drones is on the Rise

Posted by James Reincke, AU, AIS on May 10, 2016 9:00:00 AM

DRONES! We've been reading and hearing about this innovative technology for a while now and it's finally beginning to make way. A wide variety of industry's are understanding the benefits of drones and taking advantage of them! But what do risk managers have to say? How will drones be used commercially?

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Topics: coverage, Brokerage, drones, new technology, risks

Medical Marijuana Growers Need Homeowners Coverage Too

Posted by Cheryl Gleason on May 3, 2016 9:00:00 AM

Twenty-three states currently have laws legalizing marijuana in some form or another. Michigan and Illinois are two of them where usage and growing for medical needs are legal.

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Topics: insurance coverage, medical marijuana, Personal Lines, homeowner

Providing Work on Hand for Commercial Contractor

Posted by Alissa Russell on Apr 26, 2016 9:30:00 AM

If you're less familiar with bonding for commercial contractors, one of the first pieces of information you'll need to gather is their work on hand. This can be key to an underwriter when looking to approve a bond, as contractors can potentially default due to their overextended workload.


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Topics: contractor, Surety, work on hand reports, bond

The Rise of the Non-Traditional Homeowners Market

Posted by Cheryl Gleason on Apr 19, 2016 9:30:00 AM

Ever think of living in an earth home? Converting a dome or caboose into a home? How about living with exotic animals? People don't just live in a traditional home with a white picket fence, a tire swing, and a dog anymore. Many are swaying from conventional ways and applying their creative desires to their homes in every way possible. And guess what? No matter how unique, we can write them!

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Topics: quote, homes, update

Disclaimer: This article is for informational purposes only. There is no legal advice being suggested or proffered. The author assumes no responsibility or liability for the actions taken or not taken by the readers based upon such information. This article is the opinion of the author and is not supported or endorsed by J.M. Wilson. It should not be relied upon and may contain inaccuracies or content may have changed over time, contact your underwriter for the most current and accurate information. Any comments or responses are the opinions of their authors. Content on this site is believed to be covered under Fair Use.

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